SANTA CRUZ - WATSONVILLE Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Santa Cruz - Watsonville averaged
6.71%
for the week of 2024-12-12, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2024-12-05) was
6.7% and
one month ago for the week of 2024-11-07, the
average rate was 6.5%.
Santa Cruz - Watsonville's average rate one year ago was 6.74%.
For refis of the same type during the week of 2024-12-12, the average rate
was 6.62%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-12-12 | 6.6% |
| Santa Cruz - Watsonville 30 Year Fixed Rate | 2024-12-12 | 6.71% |
| Santa Cruz - Watsonville 30 Year Fixed Rate Refi | 2024-12-12 | 6.62% |
| Santa Cruz - Watsonville 15 Year Fixed Rate | 2024-12-12 | 5.94% |
| Santa Cruz - Watsonville 15 Year Fixed Rate Refi | 2024-12-12 | 6.34% |
| Santa Cruz - Watsonville 30 Year FHA | 2024-12-12 | 6.18% |
| Santa Cruz - Watsonville 30 Year FHA Refi | 2024-12-12 | 6.08% |
| Santa Cruz - Watsonville 30 Year USDA | 2024-12-12 | 6.2% |
| Santa Cruz - Watsonville 30 Year USDA Refi | 2024-12-12 | 6.1% |
| Santa Cruz - Watsonville 30 Year VA | 2024-12-12 | 6.28% |
| Santa Cruz - Watsonville 30 Year VA Refi | 2024-12-12 | 5.88% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SANTA CRUZ-WATSONVILLE, CA.
SANTA CRUZ - WATSONVILLE Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the SANTA CRUZ-WATSONVILLE, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
SANTA CRUZ - WATSONVILLE Average Closing Costs & Other Stats
SANTA CRUZ-WATSONVILLE, CA's 135 lenders originated 2,391
loans during 2023. The total origination value was $1,516,335,000, with an average loan value of
$634,184.
SANTA CRUZ - WATSONVILLE's average closing costs are $6,201.
The top SANTA CRUZ - WATSONVILLE lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with
146 loans originated. Their average total fees are
$9,513, which is $22
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee SANTA CRUZ - WATSONVILLE lenders (with over 10 loans originated) are
STAR ONE CREDIT UNION ($3,483), Morgan Stanley Private Bank ($4,591), BAY ($4,644), Bank of America ($6,086) and Citibank ($6,227).
The lowest rate SANTA CRUZ - WATSONVILLE lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (5.75%), Citibank (5.77%), STAR ONE CREDIT UNION (5.97%), Bank of America (6.13%) and THE GOLDEN 1 (6.13%).
SANTA CRUZ-WATSONVILLE, CA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| JONES LANG LASALLE MULTIFAMILY, LLC | $179,545,000 | n/a | 11.8% | |
| CROSSCOUNTRY MORTGAGE, LLC | $191,405,000 | $133,660,000 | -30.2% | 8.8% |
| BAY | $124,700,000 | $94,595,000 | -24.1% | 6.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $127,455,000 | $88,680,000 | -30.4% | 5.8% |
| QUICKEN LOANS, LLC | $159,900,000 | $70,915,000 | -55.7% | 4.7% |
| Wells Fargo Bank | $232,565,000 | $68,915,000 | -70.4% | 4.5% |
| U.S. Bank | $104,335,000 | $63,550,000 | -39.1% | 4.2% |
| Bank of America | $112,445,000 | $51,325,000 | -54.4% | 3.4% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $67,560,000 | $35,455,000 | -47.5% | 2.3% |
| JPMorgan Chase Bank | $92,100,000 | $32,515,000 | -64.7% | 2.1% |
| Comerica Bank | $28,885,000 | $26,160,000 | -9.4% | 1.7% |
| ACADEMY MORTGAGE CORPORATION | $40,235,000 | $24,960,000 | -38.0% | 1.6% |
| GREYSTONE SERVICING COMPANY LLC | $21,415,000 | n/a | 1.4% | |
| GUARANTEED RATE, INC. | $34,550,000 | $20,930,000 | -39.4% | 1.4% |
| THE GOLDEN 1 | $30,355,000 | $20,285,000 | -33.2% | 1.3% |
| Morgan Stanley Private Bank | $40,045,000 | $19,160,000 | -52.2% | 1.3% |
| STAR ONE CREDIT UNION | $31,570,000 | $16,230,000 | -48.6% | 1.1% |
| Century Mortgage Company DBA Century Lending Company | $3,540,000 | $16,040,000 | 353.1% | 1.1% |
| BMO Harris Bank | $2,865,000 | $15,430,000 | 438.6% | 1.0% |
| MOUNTAIN WEST FINANCIAL, INC. | $29,115,000 | $13,830,000 | -52.5% | 0.9% |
| PNC Bank | $32,480,000 | $12,820,000 | -60.5% | 0.8% |
| First Republic Bank | $92,195,000 | $12,800,000 | -86.1% | 0.8% |
| Citibank | $19,415,000 | $12,720,000 | -34.5% | 0.8% |
| Watermark Capital, Inc. | $4,260,000 | $12,395,000 | 191.0% | 0.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $16,360,000 | $11,950,000 | -27.0% | 0.8% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $19,695,000 | $11,595,000 | -41.1% | 0.8% |
| LOANDEPOT.COM, LLC | $59,965,000 | $11,015,000 | -81.6% | 0.7% |
| Charles Schwab Bank, SSB | $21,285,000 | $10,025,000 | -52.9% | 0.7% |
| UBS Bank USA | $9,570,000 | $9,825,000 | 2.7% | 0.6% |
| SANTA CRUZ COMMUNITY CREDIT UNION | $9,605,000 | n/a | 0.6% | |
| Commerce Home Mortgage, Inc. | $36,820,000 | $9,310,000 | -74.7% | 0.6% |
| Flagstar Bank, FSB | $43,555,000 | $9,275,000 | -78.7% | 0.6% |
| GUARANTEED RATE AFFINITY, LLC | $20,455,000 | $8,990,000 | -56.0% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $16,835,000 | $7,985,000 | -52.6% | 0.5% |
| FINANCE OF AMERICA REVERSE LLC | $44,625,000 | $7,370,000 | -83.5% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $3,450,000 | $7,285,000 | 111.2% | 0.5% |
| STANFORD Federal Credit Union | $17,770,000 | $7,065,000 | -60.2% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $10,750,000 | $7,030,000 | -34.6% | 0.5% |
| WALKER & DUNLOP, LLC | $6,975,000 | n/a | 0.5% | |
| BROKER SOLUTIONS, INC. | $13,125,000 | $5,945,000 | -54.7% | 0.4% |
| NEWREZ LLC | $10,580,000 | $5,775,000 | -45.4% | 0.4% |
| LONGBRIDGE FINANCIAL, LLC | $3,880,000 | $5,665,000 | 46.0% | 0.4% |
| NMSI, INC. | $645,000 | $5,580,000 | 765.1% | 0.4% |
| HighTechLending Inc | $5,770,000 | $5,540,000 | -4.0% | 0.4% |
| NEXERA HOLDING LLC | $3,995,000 | $5,505,000 | 37.8% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $12,470,000 | $5,440,000 | -56.4% | 0.4% |
| EVERETT FINANCIAL, INC. | $10,835,000 | $5,260,000 | -51.5% | 0.3% |
| SUMMIT FUNDING, INC. | $14,555,000 | $5,100,000 | -65.0% | 0.3% |
| GUILD MORTGAGE COMPANY | $9,090,000 | $5,020,000 | -44.8% | 0.3% |
| JMAC LENDING, INC. | $4,290,000 | $4,830,000 | 12.6% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $4,880,000 | $4,745,000 | -2.8% | 0.3% |
| Fremont Bank | $23,620,000 | $4,565,000 | -80.7% | 0.3% |
| Zions Bank | $3,300,000 | $4,530,000 | 37.3% | 0.3% |
| OCMBC, INC. | $1,480,000 | $4,460,000 | 201.4% | 0.3% |
| Citadel Servicing Corporation | $4,260,000 | $4,400,000 | 3.3% | 0.3% |
| TECHNOLOGY | $6,230,000 | $4,330,000 | -30.5% | 0.3% |
| CMG MORTGAGE, INC. | $11,000,000 | $4,040,000 | -63.3% | 0.3% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $3,985,000 | n/a | 0.3% | |
| TRIAD FINANCIAL SERVICES, INC. | $1,120,000 | $3,955,000 | 253.1% | 0.3% |
| Prosperity Home Mortgage, LLC | $6,235,000 | $3,945,000 | -36.7% | 0.3% |
| The Loan Store, Inc. | $3,890,000 | n/a | 0.3% | |
| AmeriHome Mortgage Company, LLC | $1,105,000 | $3,835,000 | 247.1% | 0.3% |
| Provident Credit Union | $7,045,000 | $3,830,000 | -45.6% | 0.3% |
| First-Citizens Bank & Trust Company | $3,070,000 | $3,610,000 | 17.6% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $5,365,000 | $3,585,000 | -33.2% | 0.2% |
| DIGNIFIED HOME LOANS, LLC | $1,665,000 | $3,585,000 | 115.3% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $1,620,000 | $3,290,000 | 103.1% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $9,875,000 | $3,210,000 | -67.5% | 0.2% |
| Third Federal Savings and Loan Association of Cleveland | $6,105,000 | $2,885,000 | -52.7% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $12,830,000 | $2,850,000 | -77.8% | 0.2% |
| BAY-VALLEY MORTGAGE GROUP | $2,770,000 | n/a | 0.2% | |
| DEEPHAVEN MORTGAGE LLC | $2,695,000 | n/a | 0.2% | |
| LEADERONE FINANCIAL CORPORATION | $2,615,000 | n/a | 0.2% | |
| Mechanics Bank | $7,450,000 | $2,615,000 | -64.9% | 0.2% |
| REDWOOD | $335,000 | $2,545,000 | 659.7% | 0.2% |
| EAGLE HOME MORTGAGE, LLC | $1,085,000 | $2,430,000 | 124.0% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $2,395,000 | n/a | 0.2% | |
| General Mortgage Capital Corporation | $5,585,000 | $2,370,000 | -57.6% | 0.2% |
| EMBRACE HOME LOANS, INC. | $1,230,000 | $2,275,000 | 85.0% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $2,225,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $5,300,000 | $2,195,000 | -58.6% | 0.1% |
| PATELCO | $6,640,000 | $2,195,000 | -66.9% | 0.1% |
| FIRST TECHNOLOGY | $2,830,000 | $2,175,000 | -23.1% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $275,000 | $2,140,000 | 678.2% | 0.1% |
| Umpqua Bank | $16,140,000 | $2,120,000 | -86.9% | 0.1% |
| BAY EQUITY LLC | $9,325,000 | $2,105,000 | -77.4% | 0.1% |
| Axos Bank | $2,615,000 | $2,100,000 | -19.7% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $5,095,000 | $2,045,000 | -59.9% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $2,025,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $2,010,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $1,470,000 | $1,945,000 | 32.3% | 0.1% |
| HomeTrust Bank | $1,750,000 | $1,940,000 | 10.9% | 0.1% |
| SANTA CLARA COUNTY | $4,325,000 | $1,880,000 | -56.5% | 0.1% |
| Figure Lending LLC | $1,660,000 | $1,790,000 | 7.8% | 0.1% |
| Stifel Bank and Trust | $1,210,000 | $1,790,000 | 47.9% | 0.1% |
| MACKILLIE INCORPORATED | $1,810,000 | $1,785,000 | -1.4% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,700,000 | $1,780,000 | 4.7% | 0.1% |
| LADERA LENDING, INC. | $1,800,000 | $1,730,000 | -3.9% | 0.1% |
| AMWEST FUNDING CORP. | $3,635,000 | $1,710,000 | -53.0% | 0.1% |
| Logan Finance Corporation | $1,670,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $3,905,000 | $1,645,000 | -57.9% | 0.1% |
| Community West Bank | $2,110,000 | $1,640,000 | -22.3% | 0.1% |
| WINGS FINANCIAL | $1,605,000 | n/a | 0.1% | |
| NBKC BANK | $2,135,000 | $1,595,000 | -25.3% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $1,630,000 | $1,545,000 | -5.2% | 0.1% |
| First Bank | $600,000 | $1,500,000 | 150.0% | 0.1% |
| SPRING EQ, LLC | $7,140,000 | $1,500,000 | -79.0% | 0.1% |
| Bethpage Federal Credit Union | $3,975,000 | $1,430,000 | -64.0% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $605,000 | $1,400,000 | 131.4% | 0.1% |
| Firefighters First Federal Credit Union | $1,630,000 | $1,360,000 | -16.6% | 0.1% |
| City National Bank | $9,020,000 | $1,350,000 | -85.0% | 0.1% |
| The Federal Savings Bank | $1,165,000 | $1,340,000 | 15.0% | 0.1% |
| East West Bank | $6,325,000 | $1,305,000 | -79.4% | 0.1% |
| BETTER MORTGAGE CORPORATION | $12,250,000 | $1,295,000 | -89.4% | 0.1% |
| Cornerstone First Mortgage, Inc | $585,000 | $1,270,000 | 117.1% | 0.1% |
| Citizens Bank | $1,600,000 | $1,190,000 | -25.6% | 0.1% |
| Discover Bank | $1,035,000 | $1,180,000 | 14.0% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $3,015,000 | $1,175,000 | -61.0% | 0.1% |
| KEYPOINT | $1,170,000 | n/a | 0.1% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $2,400,000 | $1,165,000 | -51.5% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $4,040,000 | $1,150,000 | -71.5% | 0.1% |
| FirstBank | $1,340,000 | $1,105,000 | -17.5% | 0.1% |
| Goldman Sachs Bank USA | $985,000 | $1,105,000 | 12.2% | 0.1% |
| Vellum Mortgage, Inc. | $1,105,000 | n/a | 0.1% | |
| Alaska USA Federal Credit Union | $1,095,000 | n/a | 0.1% | |
| MERIWEST | $4,005,000 | $1,095,000 | -72.7% | 0.1% |
| The Central Trust Bank | $645,000 | $1,095,000 | 69.8% | 0.1% |
| 21ST MORTGAGE CORPORATION | $2,045,000 | $1,065,000 | -47.9% | 0.1% |
| CARDINAL FINANCIAL | $2,035,000 | $1,035,000 | -49.1% | 0.1% |
| Merchants Mortgage & Trust Corporation | $1,030,000 | n/a | 0.1% | |
| NexBank | $3,770,000 | $1,010,000 | -73.2% | 0.1% |
| KeyBank | $3,220,000 | $995,000 | -69.1% | 0.1% |
| SCHOOLSFIRST | $2,385,000 | $985,000 | -58.7% | 0.1% |
| San Joaquin Power Employees Credit Union | $605,000 | $975,000 | 61.2% | 0.1% |
| OAKTREE FUNDING CORP. | $2,470,000 | $965,000 | -60.9% | 0.1% |
| OPEN MORTGAGE, LLC | $870,000 | $960,000 | 10.3% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $11,530,000 | $945,000 | -91.8% | 0.1% |
| CALIBER HOME LOANS, INC. | $11,565,000 | $925,000 | -92.0% | 0.1% |
| Wintrust Bank, N.A. | $915,000 | n/a | 0.1% | |
| NEW WAVE LENDING GROUP INC | $1,350,000 | $905,000 | -33.0% | 0.1% |
| RBC Bank, (Georgia) | $885,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $6,185,000 | $880,000 | -85.8% | 0.1% |
| KINECTA | $2,360,000 | $870,000 | -63.1% | 0.1% |
| GEORGIA'S OWN | $1,765,000 | $865,000 | -51.0% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,505,000 | $865,000 | -75.3% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $2,700,000 | $830,000 | -69.3% | 0.1% |
| ALTURA | $815,000 | n/a | 0.1% | |
| Bank of Stockton | $1,695,000 | $810,000 | -52.2% | 0.1% |
| RESIDENTIAL BANCORP | $3,365,000 | $810,000 | -75.9% | 0.1% |
| ALTITUDE FINANCIAL CORPORATION | $795,000 | n/a | 0.1% | |
| Mortgage Research Center, LLC | $2,140,000 | $795,000 | -62.9% | 0.1% |
| Brighton Bank | $725,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $725,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $725,000 | n/a | 0.0% | |
| Plains Commerce Bank | $725,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $725,000 | n/a | 0.0% | |
| Coastal Community Bank | $705,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $695,000 | n/a | 0.0% | |
| NATIONWIDE EQUITIES CORPORATION | $2,325,000 | $675,000 | -71.0% | 0.0% |
| S1L, Inc. | $1,440,000 | $675,000 | -53.1% | 0.0% |
| MERIWEST MORTGAGE COMPANY, LLC | $465,000 | $665,000 | 43.0% | 0.0% |
| FUNDLOANS CAPITAL | $2,075,000 | $660,000 | -68.2% | 0.0% |
| INTELLILOAN, INC. | $570,000 | $640,000 | 12.3% | 0.0% |
| USAA Federal Savings Bank | $880,000 | $635,000 | -27.8% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $725,000 | $625,000 | -13.8% | 0.0% |
| COASTAL FUNDING SLC, INC. | $605,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $980,000 | $605,000 | -38.3% | 0.0% |
| Leader Bank | $605,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $595,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $565,000 | n/a | 0.0% | |
| PACIFIC SERVICE | $1,480,000 | $565,000 | -61.8% | 0.0% |
| VICTORIA FINANCIAL CORP. | $565,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $9,965,000 | $555,000 | -94.4% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $525,000 | n/a | 0.0% | |
| Ally Bank | $3,180,000 | $505,000 | -84.1% | 0.0% |
| BM Real Estate Services, Inc. | $405,000 | $505,000 | 24.7% | 0.0% |
| LENDSURE MORTGAGE CORP. | $505,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $505,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $500,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $1,550,000 | $495,000 | -68.1% | 0.0% |
| Nations Lending Corporation | $495,000 | n/a | 0.0% | |
| AMERISAVE MORTGAGE CORPORATION | $12,510,000 | $480,000 | -96.2% | 0.0% |
| Golden Empire Mortgage, Inc. | $1,780,000 | $475,000 | -73.3% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $265,000 | $465,000 | 75.5% | 0.0% |
| Truist | $7,775,000 | $465,000 | -94.0% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $455,000 | n/a | 0.0% | |
| MANN FINANCIAL INC. | $405,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $405,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $1,065,000 | $405,000 | -62.0% | 0.0% |
| Educational Employees Credit Union | $1,380,000 | $390,000 | -71.7% | 0.0% |
| Service Federal Credit Union | $355,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $340,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $335,000 | n/a | 0.0% | |
| Raymond James Bank | $305,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $805,000 | $265,000 | -67.1% | 0.0% |
| San Mateo Credit Union | $850,000 | $265,000 | -68.8% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,690,000 | $255,000 | -84.9% | 0.0% |
| Bank of the West | $43,570,000 | $255,000 | -99.4% | 0.0% |
| Financial Partners Credit Union | $255,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,140,000 | $245,000 | -78.5% | 0.0% |
| Murphy Bank | $240,000 | n/a | 0.0% | |
| NuVision Federal Credit Union | $205,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $205,000 | n/a | 0.0% | |
| PremierOne Credit Union | $3,525,000 | $195,000 | -94.5% | 0.0% |
| CBC Federal Credit Union | $155,000 | n/a | 0.0% | |
| Connexus Credit Union | $155,000 | n/a | 0.0% | |
| LOANPAL, LLC | $155,000 | n/a | 0.0% | |
| SAN FRANCISCO FIRE CREDIT UNION | $4,540,000 | $155,000 | -96.6% | 0.0% |
| SAFE CREDIT UNION | $95,000 | n/a | 0.0% | |
| AMERICAN FIRST | $105,000 | $85,000 | -19.0% | 0.0% |
| Signature Federal Credit Union | $85,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $2,420,000 | $75,000 | -96.9% | 0.0% |
| CHEVRON | $815,000 | $55,000 | -93.3% | 0.0% |
| UNCLE Credit Union | $785,000 | $55,000 | -93.0% | 0.0% |
| CITIZENS EQUITY FIRST | $105,000 | $35,000 | -66.7% | 0.0% |
SANTA CRUZ - WATSONVILLE's top lender by overall market share is JONES LANG LASALLE MULTIFAMILY, LLC, with 11.8% market share. In second place, with 8.8%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $133,660,000 in loans. In third place, with 6.2%, is BAY, having originated $94,595,000 in loans. In fourth place, with 5.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $88,680,000 in loans. In fifth place, with 4.7%, is QUICKEN LOANS, LLC, having originated $70,915,000 in loans.
SANTA CRUZ - WATSONVILLE Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - SANTA CRUZ - WATSONVILLE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $899,472 (5.9%) | $1,396,805 (9.7%) | 3.33 | 220 |
| 2018-02-01 | $899,250 (5.9%) | $1,382,567 (7.2%) | 3.26 | 246 |
| 2018-03-01 | $976,500 (10.1%) | $1,367,781 (3.6%) | 3.43 | 286 |
| 2018-04-01 | $952,250 (5.8%) | $1,503,671 (12.5%) | 3.23 | 338 |
| 2018-05-01 | $939,250 (4.5%) | $1,461,461 (11.9%) | 3.14 | 380 |
| 2018-06-01 | $975,000 (6.1%) | $1,455,719 (12.1%) | 3.25 | 422 |
| 2018-07-01 | $963,500 (4.2%) | $1,405,771 (8.7%) | 3.22 | 475 |
| 2018-08-01 | $930,253 (3.4%) | $1,341,335 (6.7%) | 3.12 | 526 |
| 2018-09-01 | $925,000 (2.8%) | $1,320,901 (5.7%) | 3.11 | 561 |
| 2018-10-01 | $897,000 (-0.2%) | $1,311,670 (6.3%) | 3.04 | 562 |
| 2018-11-01 | $899,500 (0.1%) | $1,340,812 (2.7%) | 3.05 | 537 |
| 2018-12-01 | $895,000 (-0.4%) | $1,351,462 (3.2%) | 3.09 | 429 |
| 2019-01-01 | $898,000 (-0.2%) | $1,396,503 (0.0%) | 3.10 | 322 |
| 2019-02-01 | $899,000 (0.0%) | $1,374,867 (-0.6%) | 3.04 | 304 |
| 2019-03-01 | $940,143 (-3.7%) | $1,398,041 (2.2%) | 3.07 | 351 |
| 2019-04-01 | $986,843 (3.6%) | $1,380,030 (-8.2%) | 3.13 | 411 |
| 2019-05-01 | $999,125 (6.4%) | $1,370,090 (-6.3%) | 3.12 | 471 |
| 2019-06-01 | $996,500 (2.2%) | $1,400,705 (-3.8%) | 3.11 | 516 |
| 2019-07-01 | $957,500 (-0.6%) | $1,358,753 (-3.3%) | 3.00 | 584 |
| 2019-08-01 | $961,000 (3.3%) | $1,355,578 (1.1%) | 3.04 | 581 |
| 2019-09-01 | $954,250 (3.2%) | $1,349,242 (2.2%) | 3.05 | 568 |
| 2019-10-01 | $949,000 (5.8%) | $1,345,017 (2.5%) | 3.06 | 553 |
| 2019-11-01 | $949,250 (5.5%) | $1,363,268 (1.7%) | 3.11 | 465 |
| 2019-12-01 | $899,500 (0.5%) | $1,391,949 (3.0%) | 3.00 | 306 |
| 2020-01-01 | $899,500 (0.2%) | $1,385,242 (-0.8%) | 3.01 | 239 |
| 2020-02-01 | $927,000 (3.1%) | $1,413,287 (2.8%) | 3.03 | 263 |
| 2020-03-01 | $949,000 (0.9%) | $1,380,956 (-1.2%) | 2.97 | 326 |
| 2020-04-01 | $951,238 (-3.6%) | $1,357,481 (-1.6%) | 2.98 | 357 |
| 2020-05-01 | $962,250 (-3.7%) | $1,399,344 (2.1%) | 2.92 | 389 |
| 2020-06-01 | $1,024,498 (2.8%) | $1,533,583 (9.5%) | 3.02 | 378 |
| 2020-07-01 | $1,095,749 (14.4%) | $1,556,964 (14.6%) | 3.18 | 352 |
| 2020-08-01 | $1,100,000 (14.5%) | $1,656,468 (22.2%) | 3.15 | 312 |
| 2020-09-01 | $1,091,500 (14.4%) | $1,607,763 (19.2%) | 3.13 | 274 |
| 2020-10-01 | $1,075,000 (13.3%) | $1,604,172 (19.3%) | 3.08 | 271 |
| 2020-11-01 | $1,042,222 (9.8%) | $1,469,102 (7.8%) | 3.05 | 255 |
| 2020-12-01 | $972,919 (8.2%) | $1,403,710 (0.8%) | 2.89 | 217 |
| 2021-01-01 | $950,000 (5.6%) | $1,390,225 (0.4%) | 2.84 | 167 |
| 2021-02-01 | $944,500 (1.9%) | $1,435,531 (1.6%) | 2.75 | 149 |
| 2021-03-01 | $1,074,750 (13.3%) | $1,501,887 (8.8%) | 3.05 | 159 |
| 2021-04-01 | $1,134,250 (19.2%) | $1,632,051 (20.2%) | 3.07 | 185 |
| 2021-05-01 | $1,200,000 (24.7%) | $1,753,276 (25.3%) | 3.19 | 207 |
| 2021-06-01 | $1,235,000 (20.6%) | $1,753,371 (14.3%) | 3.25 | 216 |
| 2021-07-01 | $1,200,000 (9.5%) | $1,700,930 (9.3%) | 3.17 | 235 |
| 2021-08-01 | $1,174,500 (6.8%) | $1,599,723 (-3.4%) | 3.13 | 244 |
| 2021-09-01 | $1,200,000 (9.9%) | $1,643,528 (2.2%) | 3.20 | 222 |
| 2021-10-01 | $1,250,000 (16.3%) | $1,722,360 (7.4%) | 3.33 | 188 |
| 2021-11-01 | $1,349,250 (29.5%) | $1,764,830 (20.1%) | 3.61 | 152 |
| 2021-12-01 | $1,295,000 (33.1%) | $1,691,547 (20.5%) | 3.51 | 102 |
| 2022-01-01 | $1,225,000 (29.0%) | $1,624,704 (16.9%) | 3.31 | 85 |
| 2022-02-01 | $1,274,750 (35.0%) | $1,626,249 (13.3%) | 3.32 | 108 |
| 2022-03-01 | $1,298,738 (20.8%) | $1,672,798 (11.4%) | 3.25 | 137 |
| 2022-04-01 | $1,299,000 (14.5%) | $1,703,795 (4.4%) | 3.10 | 157 |
| 2022-05-01 | $1,398,750 (16.6%) | $1,772,698 (1.1%) | 3.20 | 235 |
| 2022-06-01 | $1,368,250 (10.8%) | $1,765,917 (0.7%) | 3.05 | 270 |
| 2022-07-01 | $1,349,000 (12.4%) | $1,728,453 (1.6%) | 3.04 | 326 |
| 2022-08-01 | $1,349,000 (14.9%) | $1,697,038 (6.1%) | 3.12 | 313 |
| 2022-09-01 | $1,386,000 (15.5%) | $1,738,811 (5.8%) | 3.24 | 286 |
| 2022-10-01 | $1,349,000 (7.9%) | $1,723,678 (0.1%) | 3.17 | 297 |
| 2022-11-01 | $1,399,000 (3.7%) | $1,777,598 (0.7%) | 3.36 | 266 |
| 2022-12-01 | $1,345,000 (3.9%) | $1,715,599 (1.4%) | 3.32 | 232 |
| 2023-01-01 | $1,285,750 (5.0%) | $1,643,300 (1.1%) | 3.18 | 171 |
| 2023-02-01 | $1,316,250 (3.3%) | $1,659,280 (2.0%) | 3.18 | 176 |
| 2023-03-01 | $1,397,000 (7.6%) | $1,790,272 (7.0%) | 3.29 | 173 |
| 2023-04-01 | $1,399,000 (7.7%) | $1,856,567 (9.0%) | 3.25 | 204 |
| 2023-05-01 | $1,432,000 (2.4%) | $1,810,164 (2.1%) | 3.25 | 243 |
| 2023-06-01 | $1,387,000 (1.4%) | $1,748,746 (-1.0%) | 3.12 | 280 |
| 2023-07-01 | $1,375,000 (1.9%) | $1,764,170 (2.1%) | 3.13 | 297 |
| 2023-08-01 | $1,298,000 (-3.8%) | $1,717,326 (1.2%) | 2.98 | 312 |
| 2023-09-01 | $1,250,000 (-9.8%) | $1,723,492 (-0.9%) | 2.91 | 319 |
| 2023-10-01 | $1,197,000 (-11.3%) | $1,695,612 (-1.6%) | 2.82 | 332 |
| 2023-11-01 | $1,174,857 (-16.0%) | $1,674,739 (-5.8%) | 2.80 | 311 |
| 2023-12-01 | $1,182,000 (-12.1%) | $1,611,871 (-6.1%) | 2.88 | 248 |
| 2024-01-01 | $1,062,000 (-17.4%) | $1,536,203 (-6.5%) | 2.59 | 200 |
| 2024-02-01 | $1,074,850 (-18.3%) | $1,597,220 (-3.7%) | 2.59 | 193 |
| 2024-03-01 | $1,199,000 (-14.2%) | $1,709,344 (-4.5%) | 2.82 | 225 |
| 2024-04-01 | $1,298,000 (-7.2%) | $1,841,445 (-0.8%) | 3.02 | 270 |
| 2024-05-01 | $1,299,750 (-9.2%) | $1,957,652 (8.2%) | 2.94 | 344 |
| 2024-06-01 | $1,296,500 (-6.5%) | $1,871,301 (7.0%) | 2.91 | 375 |
| 2024-07-01 | $1,295,750 (-5.8%) | $1,803,485 (2.2%) | 2.96 | 395 |
| 2024-08-01 | $1,277,000 (-1.6%) | $1,795,602 (4.6%) | 2.97 | 432 |
| 2024-09-01 | $1,274,750 (2.0%) | $1,767,265 (2.5%) | 3.00 | 449 |
| 2024-10-01 | $1,295,000 (8.2%) | $1,745,854 (3.0%) | 3.05 | 442 |
| 2024-11-01 | $1,249,000 (6.3%) | $1,698,702 (1.4%) | 3.00 | 425 |
SANTA CRUZ - WATSONVILLE's median listing price for 2024-11-01 was $1,249,000, a difference of
$74,143
(6.3%) versus the prior year and
$-46,000 versus the prior month.
SANTA CRUZ - WATSONVILLE's median listing price comes in at 300% of the national average.
SANTA CRUZ - WATSONVILLE's average listing price for 2024-11-01 was $1,698,702, a difference of $23,963 (1.4%) versus the prior year and $-47,152 versus the prior month.
For the 2024-11-01 period, SANTA CRUZ - WATSONVILLE had 425 MLS listings, a difference of -17 listings (-4%) versus the prior month and 114 listings (37%) versus the prior year.
SANTA CRUZ - WATSONVILLE's median listing price comes in at 300% of the national average.
SANTA CRUZ - WATSONVILLE's average listing price for 2024-11-01 was $1,698,702, a difference of $23,963 (1.4%) versus the prior year and $-47,152 versus the prior month.
For the 2024-11-01 period, SANTA CRUZ - WATSONVILLE had 425 MLS listings, a difference of -17 listings (-4%) versus the prior month and 114 listings (37%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - SANTA CRUZ - WATSONVILLE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 67 days | 1,719 sqft |
| 2018-02-01 | 36 days | 1,608 sqft |
| 2018-03-01 | 30 days | 1,677 sqft |
| 2018-04-01 | 34 days | 1,702 sqft |
| 2018-05-01 | 33 days | 1,665 sqft |
| 2018-06-01 | 39 days | 1,696 sqft |
| 2018-07-01 | 42 days | 1,721 sqft |
| 2018-08-01 | 44 days | 1,655 sqft |
| 2018-09-01 | 46 days | 1,657 sqft |
| 2018-10-01 | 52 days | 1,652 sqft |
| 2018-11-01 | 56 days | 1,678 sqft |
| 2018-12-01 | 67 days | 1,617 sqft |
| 2019-01-01 | 81 days | 1,606 sqft |
| 2019-02-01 | 66 days | 1,662 sqft |
| 2019-03-01 | 41 days | 1,719 sqft |
| 2019-04-01 | 33 days | 1,766 sqft |
| 2019-05-01 | 36 days | 1,736 sqft |
| 2019-06-01 | 46 days | 1,747 sqft |
| 2019-07-01 | 47 days | 1,678 sqft |
| 2019-08-01 | 53 days | 1,670 sqft |
| 2019-09-01 | 58 days | 1,685 sqft |
| 2019-10-01 | 61 days | 1,691 sqft |
| 2019-11-01 | 69 days | 1,700 sqft |
| 2019-12-01 | 95 days | 1,630 sqft |
| 2020-01-01 | 90 days | 1,636 sqft |
| 2020-02-01 | 39 days | 1,611 sqft |
| 2020-03-01 | 34 days | 1,638 sqft |
| 2020-04-01 | 47 days | 1,675 sqft |
| 2020-05-01 | 53 days | 1,726 sqft |
| 2020-06-01 | 44 days | 1,746 sqft |
| 2020-07-01 | 45 days | 1,842 sqft |
| 2020-08-01 | 48 days | 1,843 sqft |
| 2020-09-01 | 66 days | 1,801 sqft |
| 2020-10-01 | 62 days | 1,798 sqft |
| 2020-11-01 | 57 days | 1,722 sqft |
| 2020-12-01 | 59 days | 1,617 sqft |
| 2021-01-01 | 54 days | 1,618 sqft |
| 2021-02-01 | 35 days | 1,538 sqft |
| 2021-03-01 | 33 days | 1,636 sqft |
| 2021-04-01 | 27 days | 1,654 sqft |
| 2021-05-01 | 25 days | 1,793 sqft |
| 2021-06-01 | 31 days | 1,801 sqft |
| 2021-07-01 | 29 days | 1,796 sqft |
| 2021-08-01 | 31 days | 1,672 sqft |
| 2021-09-01 | 43 days | 1,835 sqft |
| 2021-10-01 | 50 days | 1,852 sqft |
| 2021-11-01 | 64 days | 1,955 sqft |
| 2021-12-01 | 76 days | 1,844 sqft |
| 2022-01-01 | 52 days | 1,649 sqft |
| 2022-02-01 | 17 days | 1,604 sqft |
| 2022-03-01 | 18 days | 1,536 sqft |
| 2022-04-01 | 24 days | 1,600 sqft |
| 2022-05-01 | 23 days | 1,716 sqft |
| 2022-06-01 | 28 days | 1,724 sqft |
| 2022-07-01 | 36 days | 1,705 sqft |
| 2022-08-01 | 41 days | 1,701 sqft |
| 2022-09-01 | 45 days | 1,744 sqft |
| 2022-10-01 | 44 days | 1,705 sqft |
| 2022-11-01 | 54 days | 1,796 sqft |
| 2022-12-01 | 66 days | 1,725 sqft |
| 2023-01-01 | 78 days | 1,703 sqft |
| 2023-02-01 | 61 days | 1,691 sqft |
| 2023-03-01 | 38 days | 1,723 sqft |
| 2023-04-01 | 36 days | 1,786 sqft |
| 2023-05-01 | 32 days | 1,753 sqft |
| 2023-06-01 | 32 days | 1,754 sqft |
| 2023-07-01 | 36 days | 1,696 sqft |
| 2023-08-01 | 40 days | 1,587 sqft |
| 2023-09-01 | 39 days | 1,600 sqft |
| 2023-10-01 | 43 days | 1,531 sqft |
| 2023-11-01 | 48 days | 1,516 sqft |
| 2023-12-01 | 60 days | 1,438 sqft |
| 2024-01-01 | 68 days | 1,351 sqft |
| 2024-02-01 | 49 days | 1,387 sqft |
| 2024-03-01 | 36 days | 1,428 sqft |
| 2024-04-01 | 33 days | 1,553 sqft |
| 2024-05-01 | 29 days | 1,619 sqft |
| 2024-06-01 | 35 days | 1,596 sqft |
| 2024-07-01 | 45 days | 1,601 sqft |
| 2024-08-01 | 44 days | 1,609 sqft |
| 2024-09-01 | 47 days | 1,585 sqft |
| 2024-10-01 | 51 days | 1,578 sqft |
| 2024-11-01 | 53 days | 1,550 sqft |
SANTA CRUZ - WATSONVILLE's median listing age (time on market) for 2024-11-01 was 53 days.
This
is 10%
longer
than the same period one year ago.
SANTA CRUZ - WATSONVILLE's median square footage for active listings during the 2024-11-01 period was 1,550 sqft. One year prior, the average listing was 1,516 sqft.
SANTA CRUZ - WATSONVILLE's median square footage for active listings during the 2024-11-01 period was 1,550 sqft. One year prior, the average listing was 1,516 sqft.
SANTA CRUZ-WATSONVILLE, CA Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 94060 | Santa Cruz-Watsonville, CA MSA | $2,300 | $2,840 | $3,400 | $4,170 | $4,570 |
| 95001 | Santa Cruz-Watsonville, CA MSA | $2,210 | $2,500 | $3,290 | $4,070 | $4,560 |
| 95003 | Santa Cruz-Watsonville, CA MSA | $2,530 | $2,860 | $3,760 | $4,650 | $5,220 |
| 95005 | Santa Cruz-Watsonville, CA MSA | $2,320 | $2,630 | $3,460 | $4,280 | $4,800 |
| 95006 | Santa Cruz-Watsonville, CA MSA | $2,120 | $2,400 | $3,160 | $3,910 | $4,380 |
| 95007 | Santa Cruz-Watsonville, CA MSA | $2,230 | $2,530 | $3,320 | $4,110 | $4,610 |
| 95010 | Santa Cruz-Watsonville, CA MSA | $2,260 | $2,550 | $3,360 | $4,160 | $4,660 |
| 95017 | Santa Cruz-Watsonville, CA MSA | $2,490 | $2,820 | $3,720 | $4,600 | $5,150 |
| 95018 | Santa Cruz-Watsonville, CA MSA | $2,230 | $2,520 | $3,320 | $4,110 | $4,610 |
| 95019 | Santa Cruz-Watsonville, CA MSA | $1,880 | $2,150 | $2,830 | $3,600 | $4,020 |
| 95033 | Santa Cruz-Watsonville, CA MSA | $2,360 | $2,670 | $3,370 | $4,210 | $4,720 |
| 95041 | Santa Cruz-Watsonville, CA MSA | $2,230 | $2,520 | $3,320 | $4,110 | $4,610 |
| 95060 | Santa Cruz-Watsonville, CA MSA | $2,590 | $2,930 | $3,860 | $4,780 | $5,350 |
| 95061 | Santa Cruz-Watsonville, CA MSA | $2,210 | $2,500 | $3,290 | $4,070 | $4,560 |
| 95062 | Santa Cruz-Watsonville, CA MSA | $2,300 | $2,600 | $3,420 | $4,230 | $4,740 |
| 95063 | Santa Cruz-Watsonville, CA MSA | $2,210 | $2,500 | $3,290 | $4,070 | $4,560 |
| 95064 | Santa Cruz-Watsonville, CA MSA | $2,090 | $2,360 | $3,110 | $3,850 | $4,310 |
| 95065 | Santa Cruz-Watsonville, CA MSA | $2,700 | $3,050 | $4,020 | $4,980 | $5,580 |
| 95066 | Santa Cruz-Watsonville, CA MSA | $2,600 | $2,940 | $3,870 | $4,790 | $5,370 |
| 95067 | Santa Cruz-Watsonville, CA MSA | $2,210 | $2,500 | $3,290 | $4,070 | $4,560 |
| 95073 | Santa Cruz-Watsonville, CA MSA | $2,320 | $2,620 | $3,450 | $4,270 | $4,790 |
| 95076 | Santa Cruz-Watsonville, CA MSA | $1,940 | $2,180 | $2,830 | $3,600 | $4,020 |
| 95077 | Santa Cruz-Watsonville, CA MSA | $2,210 | $2,500 | $3,290 | $4,070 | $4,560 |
2022 Average & Median Rent Data Statistics
SANTA CRUZ-WATSONVILLE, CA average 1BR rent: $2,594, median: $2,530
SANTA CRUZ-WATSONVILLE, CA average 2BR rent: $3,393, median: $3,320
SANTA CRUZ-WATSONVILLE, CA average 3BR rent: $4,207, median: $4,110
SANTA CRUZ-WATSONVILLE, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,169 | $879,435,000 | $752,297 |
| Home Improvement | 448 | $82,710,000 | $184,621 |
| Cash Out Refi | 277 | $119,495,000 | $431,390 |
| Other | 255 | $70,005,000 | $274,529 |
| Refi | 242 | $364,690,000 | $1,506,983 |
Santa Cruz - Watsonville's most frequently cited loan purpose was Home Purchase, with 1,169 originations. The 2nd most popular reason was Home Improvement, with 448 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 731 | $503,065,000 | $688,187 |
| Over 8% | 559 | $161,415,000 | $288,757 |
| 7-8% | 551 | $300,395,000 | $545,181 |
| 5-6% | 408 | $466,120,000 | $1,142,451 |
| 2.5-3% | 43 | $8,685,000 | $201,977 |
| 4-5% | 33 | $28,225,000 | $855,303 |
| <2.5% | 7 | $1,695,000 | $242,143 |
| 3-4% | 4 | $4,160,000 | $1,040,000 |
During 2023, Santa Cruz - Watsonville's most frequently originated rate bucket was 6-7%, with 731 originations.
Loan Sizing (SANTA CRUZ-WATSONVILLE, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $600k-1000k | 587 | $453,175,000 | $772,019 |
| $200k-400k | 473 | $132,435,000 | $279,989 |
| $400k-600k | 440 | $217,060,000 | $493,318 |
| $100k-200k | 327 | $43,765,000 | $133,838 |
| $Over $1MM | 311 | $654,045,000 | $2,103,039 |
| $100,000 or less | 253 | $15,855,000 | $62,668 |
SANTA CRUZ - WATSONVILLE's loan sizing saw the bucket of loans from $600k-1000k with 587 originations, totaling $453,175,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 719 | $107,945,000 | $150,132 |
| 60-80% | 495 | $440,065,000 | $889,020 |
| 80-100% | 434 | $353,530,000 | $814,585 |
| 20-40% | 355 | $147,935,000 | $416,718 |
| 40-60% | 318 | $252,660,000 | $794,528 |
| Over 100% | 6 | $185,100,000 | $30,850,000 |
SANTA CRUZ - WATSONVILLE's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 719 originations, totaling $107,945,000 in origination value.